Offers & Discounts

Auto Loan Special

Auto loan rates as low as 3.99% APR*. Apply online today!

Drive away with rates as low as
3.99%APR*

Take advantage of our limited-time auto loan special and get into the car you've been dreaming of with a rate that helps keep your payments low!

BONUS OFFER

When you book an auto loan during this promotion, you'll receive:

1.00% Discount on a Signature Loan

Perfect for extra expenses or consolidating debt after the holidays!

Apply Online

Why Finance with Us?

Easy application process
Competitive rates
Friendly and knowledgeable staff
Local decision making and personalized support!

Contact Us: 847-670-0456, ext. 2

Important Terms & Disclosures

*Auto loan special available 1/1/26–3/31/26 to Metro Credit Union members. Membership required at time of disbursement. New and used vehicle purchases and refinances from other financial institutions only; existing Metro loans excluded. Rates as low as 3.99% APR for A-credit borrowers at 36 months with up to 85% financing, (includes 0.25% discount for 15% down). APR based on creditworthiness, term, loan-to-value, and vehicle mileage. Terms up to 84 months available; longer terms have higher rates. Financing up to 125% available; added rate premium for financing over 100% LTV and for vehicles over 100,000 miles. Vehicle mileage may not exceed 180,000 miles. Full coverage insurance required.

Borrow $5,000 or more on an auto loan to receive a 1.00% APR discount on a Signature Loan booked at the same time; discount must be used by 3/31/26. Cannot be combined with other promotions. All loans subject to credit approval. Rates and terms subject to change.

New Auto Loans: New Vehicles are those for which you are the original owner and the UNTITLED vehicle is model year 2025 or newer with less than 3,000 miles. Up to 125% financing is available with an added premium. Vehicle weight and mileage restrictions apply.

Used Auto Loans: Metro will determine the Maximum used car loan using a JD Power value. Financing is available up to the JD Power valuation, not to exceed 125%. Vehicle weight and mileage restrictions apply.

Payment Example: The approximate monthly payment on a $25,000 loan at 4.29% APR (rate discount included) for 60 months is $463.63. The total finance charge is $2,817.31, and the total loan cost is $27,817.31.

Rate Discounts: A .25% rate discount will be applied to Auto Loan rates with a down payment of 15% or more.

APR = Annual Percentage Rate.

Skip-A-Payment

Skip-A-Payment Program will return...

How Does it Work? How do I Qualify? How Can I Apply? When is it Available?

How Does it Work?

Put money back in your pocket with METRO’s Skip-A-Payment Program! Skip-A-Pay gives you the option to defer a monthly payment on any eligible METRO loan. Skip one loan payment without impacting your credit rating! We advance your payment due date and your maturity date (for example, on a 36-month loan, if one payment is skipped, you make 36 payments over 37 months).

*Eligible loans include: Auto, RV, Signature, & Home Equity Line-of-Credit Loans

How do I Qualify?

How Can I Apply?

When is it Available?

Skip-A-Payment Application

*Eligible loans include: Auto, RV, Signature, & Home Equity Line-of-Credit Loans

Important Terms & Disclosures

*This program is not available during the first six (6) months of the loan agreement. Eligible loans must be in good standing. Eligible loans include: Auto, RV, Signature, & Home Equity Line-of-Credit Loans. Interest will continue to accrue from the date of your last payment. Skip-a-payment request is eligible to skip ONE month only and will not impact credit rating. January payroll requests must be received in office no later than 1/15/2026 and February payroll requests must be received in office by 2/14/26. Maximum of four (4) skip-a-pays over the life of the loan is allowed.

METRO reserves the right to deny this benefit to anyone who has not made scheduled payments on time. Two Skip-A-Payment requests are allowed in one calendar year (three months in between Skip-A-Payment requests) with a maximum of 4 (four) Skip-A-Payments for the life of loan. There is a $40.00 processing fee for each Skip-A-Payment request. Each loan requires a separate request form. You may skip one month’s full payment on the eligible loan types. Finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in your loan agreement, both during and after the deferral period. This means that this deferral of scheduled payments will result in paying a higher total finance charge and possibly a greater total number of payments. In all other respects, the provisions of your original agreement remain in full force and effect. Payments resume the month following the deferral and will include the finance charges from the skipped month. Monthly Premiums for Credit Life/ Disability will still be added to the loan balance on the skipped month.

Romance Scams 101: How to Protect Your Heart and Your Wallet

Love is in the air … but so are romance scams. If your “Valentine” is asking for gift cards or wire transfers, that’s not love — that’s a red flag. Protect your heart and your wallet this Valentine’s Day. Check out our latest article to spot the signs!

More Details about Romance Scams 101: How to Protect Your Heart and Your Wallet